In this era of digital India, the majority of Indians' payment habits have been shaped by the phrase Scan & Pay. From local kirana stores to high-end brand outlets, the quick scanning of a QR code has become more than routine payment behaviour. The Unified Payment Interface, or UPI, has not just revolutionised the payment habits of Indians — it has subtly reimagined the correlation between money, trust, and convenience. Behind the simple phrase Scan & Pay lies a nuanced phenomenon of how technology, psychology, and culture together transformed the financial habits of Indians.

India is abundantly blessed with a unique, rich and diverse range of wildlife and forest cover. However, rapid modernisation and urbanisation over the years have resulted in deforestation and habitat loss. Forests are also facing illegal hunting, poaching and climate change, while man-animal conflicts have become a recurring problem. Despite these hurdles, India continues to formulate wildlife conservation projects aimed at preserving wildlife alongside forest cover.

India’s growth from an agrarian economy to one of the fastest-growing markets in the world has always been a fascinating case study. To some extent, this transformation has been enabled by the strategic use of credit as a financial tool. The past two decades have clearly witnessed a shift in the credit landscape—from credit being a last resort to becoming a routine financial instrument. NBFCs have been a driving force in this transition, integrating technology, data-backed analysis and last-mile reach to make credit more accessible and inclusive.